Designed around women’s lives. Open to everyone.

Protect your savings, income and investments from unexpected financial shocks.

AVYA is your personal insurance assistant. It starts with the health, income, caregiving, work and life-stage risks women navigate — and helps anyone see what could put their money at risk, explore relevant protection without insurer or commission bias, and reach licensed human help when it is needed.

Ask AVYA Find my Money at Risk

Women-centric by design
Evidence-led
Insurer-neutral
Commission-neutral

Backed by IIMA Ventures through the Bharat Inclusion Initiative.

Ask the question you actually have

Start with real life.

Begin with a health expense, an income worry, a life stage, a policy or a claim. You do not need to know the product name.

Ask AVYA

Opens the live Ask AVYA conversation, where you type your question. Type my own question

How can I finance infertility treatment?
How can I optimise maternity expenses across different policies?
Does my policy cover breast or ovarian cancer treatment?
How can I protect my income during a career break?
Would my home or livelihood be protected after a flood?
What would a cyber attack put at risk?

Why AVYA starts with women

Women’s financial lives do not fit into a single policy.

A health event can interrupt income. A career break can change employer benefits and long-term savings. Caregiving and business responsibilities can change the protection held in a woman’s own name. AVYA brings those connections into one protection conversation.

Women are AVYA’s starting point — not the limit. The same connected view helps families, founders, employees and anyone whose finances could be disrupted.

Health & life stages

Fertility, pregnancy, maternity, cancer, peri-menopause, menopause, recovery and changing health needs.

Income & work

Leave, career breaks, self-employment, disability and extended recovery can all affect earnings.

Family & caregiving

Caregiving, dependants and changing household responsibilities alter what needs protection.

Assets & enterprise

Home, digital life, productive assets, professional liability and business continuity belong in the same picture.

The event is only part of the risk

What could put your money at risk?

One unplanned event can force long-term money to solve a short-term crisis. Money at Risk estimates what each of these could cost you — and what your present safeguards can absorb.

Health expensesTreatment, recovery and costs outside your cover.

Income lossIllness, injury, caregiving or a break in work.

Home & assetsRepair or replacement of what everyday life depends on.

Cyber attacksPayment fraud, account takeover and identity theft.

Business disruptionRevenue that pauses while costs keep running.

Floods & climate eventsHeat, flood and storms reaching home, health and income.

Find my Money at Risk How Money at Risk works

Explore protection

Protection for the risks you carry.

AI-led personalised matching currently begins with health insurance. Across the broader retail suite, a licensed AVYA Saathi helps you discover, compare and obtain relevant cover — without insurer or commission bias.

Explore protection

Health & maternity

Hospitalisation, treatment, maternity and newborn care.

Personal accident

Accidental death, disability and specified income effects.

Critical illness

Defined benefits for listed serious illnesses.

Life

Protection for responsibilities that continue.

Home & contents

Fire, flood, storm, theft and covered damage.

Personal cyber

Fraud, identity theft, extortion and online liability.

Motor & travel

Vehicles, journeys and covered disruptions.

Women-specific policies

Maternity, reproductive health and women-specific illness benefits.

Women’s financial resilience

Take bigger decisions from a stronger position.

Credit, a career, a business, a home — each is built on the assumption that one shock will not undo it. Plan for the moments that most often reach a woman’s money, and keep your progress moving when life changes.

“A woman’s ability to take economic risk should never depend on whether she can afford to lose.”

AVYA’s vision

Fertility & IVF

Know what your policies include, exclude and delay — and how much you may need to finance yourself.

Pregnancy & maternity

Plan delivery, complications and newborn care across employer and personal cover before sub-limits decide for you.

Breast & ovarian cancer

See treatment, recovery, caregiving and income effects — not only the hospital bill.

Peri-menopause & menopause

Plan for changing health needs, out-of-pocket costs and the effect on work.

Income interruption & career breaks

Keep savings and cover intact when paid work pauses, by choice or otherwise.

Caregiving

Supporting children or parents changes income, time and what needs protecting first.

Climate exposure

Understand how heat, flood and rainfall shifts can reach health, assets, debt and income.

Livelihoods

Protect earnings, productive assets and commitments when work is interrupted.

Protection in her own name

Cover that moves with her life and work — not tied to one employer or one spouse’s policy.

Plan for women’s life moments

Digital intelligence when you want it. Human expertise when you need it.

A licensed AVYA Saathi continues from the context you choose to share — so the conversation continues rather than restarts. Saathis support judgement, application and placement when you ask for it.

Meet an AVYA Saathi

AVYA stays useful after the policy is issued.

Understand any claim AVYA can review, organise the documents and make sense of insurer requests. Get hands-on filing and follow-through for eligible AVYA-placed or supported partner policies.

See claims support

AVYA for institutions

Build protection around women’s health, income and livelihoods.

AVYA works with the institutions women already trust to design and deliver technology-backed protection — AVYA-led, co-branded or white-labelled. Embedded insurance is one delivery model. Financial resilience is the outcome.

MFIs
NBFCs
SHG networks
Healthtechs
Employers
NGOs
Foundations
Development partners
CSR programmes

Explore inclusive protection View Programmes

Deploy AVYA

Bring the protection journey to people.

Money at Risk, Protection Score, Ask AVYA, product access, licensed human handoff, servicing and claims support — inside health, finance, livelihood and workplace journeys.

Engage Protector IQ

Design the protection system.

Insurance consulting, product and systems innovation, research, pilots and Climate and Disaster Risk Finance and Insurance advisory.

The AVYA trust standard

See how the answer is built.

Evidence-led

Reviewed product information and policy wording — not a sales script.

Insurer-neutral

No insurer receives automatic preference in explanation or matching.

Commission-neutral

Commission and remuneration data do not enter answers or matching.

Inclusion-backed

Backed by IIMA Ventures through the Bharat Inclusion Initiative.

Read the AVYA trust standard

Your question is the starting point

Ask AVYA. Understand your risk, find relevant protection and get help when it matters.

Ask AVYA